Axis Bank Miles and More Credit Card Review

When it comes to attractive travel benefits at an affordable rate, there are only a few credit cards that can be compared with the axis bank miles and more credit card. Targeting the Indian regular fliers, this axis bank travel credit card offers attractive travel points on every transaction, free access to airport lounges, exclusive discount on dining expenses, and lots more. You can find more about the benefits of axis bank credit card from the details given below.

How does the axis bank credit card eligibility criteria work?

• Resident Type: Indian. 
• Axis credit card eligibility criteria for salaried person:
  • Age: 18 to 70 years. 
  • Income: Rs. 25,000 monthly. 
• Axis bank credit card eligibility for self-employed person:
  • Age: 18 to 70 years. 
  • Income: Rs. 25,000 monthly. 
• A good CIBIL score (750 or more) is mandatory to apply for the miles and more credit card.

Once your axis bank credit card application is submitted successfully, you can check axis bank credit card status through your mobile number. 

What documents are required to apply for an axis bank credit card?

• Photocopy of ID Proof (any 1)
  • Aadhar card
  • Voter Card
  • Passport
  • PAN Card
• Photocopy of Address proof (any 1) 
  • Last 6 months bank account Statement
  • Aadhar Card 
  • Driving License 
  • Passport
  • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
• Salaried Person (any 1)
  • Latest salary slip (3 months) 
  • ITR (Income Tax Return)
• Self-employed person
  • Latest income tax return.  
  • Proof of business
  • Recent audited financial report. 

As per the new regulations, all new axisbank credit cards are delivered in an inactive state. So if you want to know how to activate axis bank credit card for first time? then feel free to take a look at our faq page.

What are the axis bank credit card fees?

• Axis miles and more credit card joining fee: Rs. 3,500 + GST (for World card) & Rs. 10,000 + GST (for Select card). 
• Axis bank miles and more credit card annual fee: Rs. 3,500 + GST (for World card) & Rs. 4,500 + GST (for select card). 

What are the axis bank miles and more credit card benefits? 

• Get started with an attractive joining bonus:

With the axis credit card activation and realization of the first-year joining fee, you will receive 15,000 axis air miles as a welcome gift. Also, if you have the “World” variant of the card, you will get 5,000 axis miles. These air miles never expire and you can also get your axis bank credit card points redeemed as cash.

If you are not satisfied with your current credit card limit, then click here to know how to increase axis bank credit card limit?

• Get rewarded for every transaction you make:

This travel credit card comes with a powerful axis credit card rewards scheme that offers you powerful axis bank credit card rewards points on every transaction you make.

Category of transaction	Rate of earning axis bank credit card rewards
Every Rs.200 transaction	6 reward points for the world select axis credit card 4 reward points for the world card
Payment of the renewal fee	4000 rewards for the axis bank miles and more world credit card 3000 rewards for the world card
Rs.1,00,000 within a month	36,000 air miles for the World Select Card 24,000 air miles for the world card

You can check your total earned credit card rewards points from your axis credit card online banking account. 

• Make travel comfortable more comfortable with complimentary lounge access:

This axis credit card gives you free access to most of the leading domestic airport lounges. The details are given below.

Card variant	No of free access
World select variant	8 free accesses per quarter & 4 yearly visits at priority pass lounges
World variant	4 free accesses per quarter & 2 yearly visits at priority pass lounges

Click here for the axis bank miles and more credit card lounge access list.

• Make evenings entertaining with attractive dining offers on axis credit card:

With this axis bank miles and more credit card , you can enjoy dining at most of the premium restaurants in India with a minimum of 15% discount on your dining bill. 

You can see your total earned benefits in your monthly credit card statement, you can also download axis bank credit card online statement from your net banking account. 

• Enjoy freedom from credit card fuel surcharge waivers:

If you use this axis miles credit card to purchase fuel from any fuel stations in India, you will get a 1% waiver on fuel surcharges. The Transaction amount should be between Rs.400 to Rs.4,000. And you can earn a maximum of Rs.100 waiver in an axis bank credit card billing cycle.

• Make repayment easier with the low-cost EMI option: 

You can now convert any of your purchases over Rs. 2,500 into EMI, this feature is very helpful for high-value purchases. If you want to prepay your EMI, then the axis bank credit card EMI cancellation charges will be applicable.

You can check your axis bank credit card outstanding balance with just an SMS, visit our FAQ page for the axis bank credit card balance check sms format. 

• A multilingual concierge service to support you:

With this axis bank miles and more credit card you will get a world-class concierge service, you can get assistance from The axis bank credit card support team whenever you need it. 

• Complimentary credit card insurance coverage to stand for you in unfortunate events:

In case of unexpected or unfortunate events, your axis bank travel credit card can stand for you with its built-in insurance coverage.

Particulars	Total coverage amount
Accidental death coverage	Rs.4.5 Cr. for the World select variant Rs.2.5 Cr. for the World variant
Credit Shield	Rs.5,00,000 for the World select variant Rs.1,00,000 for the World variant
Lost baggage and travel document coverage	USD 500

Call the axis credit card helpline number to claim the benefits of the coverage.

• Security of the advanced EMV chip:

The axis bank miles and more credit card come with a built-in EMV chip, this chip is specially designed to add more security to your credit card transactions . Also, this card is 3d secured which means whenever you use your card for an online credit card payment , you will get an OTP to authenticate and complete your transaction. 

If you can’t use your miles and more cards for online transactions then click here to know how to enable online transaction in axis bank credit card. 

 What are the axis miles and more credit card charges?

Particulars	Payable amount
Credit card charges on cash withdrawal	2.5% against the withdrawn amount (min Rs. 500). Check your available axis bank credit card limit before making a withdrawal.
Axis credit card finance charges	The axis credit card interest rate can go up to 2.95% monthly or 41.75% annually (applicable if the monthly payment is not made within the axis bank credit card payment due date)
International credit card transactions charge	3.50% against the transaction amount
Axis bank add on credit card fee	None, free for a lifetime

How to contact the axis bank credit card customer care department?

• Call the axis bank credit card customer service number: 1860-419-5555 or 1860-500-5555 or 040-67174100
• Write to the axis bank credit card toll free number: creditcards@axisbank.com 

Pros and cons miles and more axis bank credit card:

Pros	Cons
You will get a complimentary axis bank priority pass membership with this card. You can earn big discounts on your dining bills. The rate of earning axis bank miles and more credit card reward points is very good.	The lounge access feature is only applicable at domestic airport lounges. This miles and more axis bank credit card doesn’t have any travel booking benefits.

If you don’t want to use your card anymore, then feel free to visit our page to know how to cancel axis bank credit card account permanently.

100xGain Ratings:

6/10

Final Opinion:

The axis bank miles and more credit card is one of the low-cost premium credit cards india for travel-related benefits. It offers a big amount of air miles annually, free lounge access, insurance coverage, fuel surcharge waiver, concierge service, and lots more. 

So if you want to earn air miles and enjoy some exclusive benefits of travel then you should go for this axis credit card. And if you want to get some extra air miles and lounge access, we would recommend you to go for the World select variant of the card. You can also take a look at the alternative card options given below. 

Alternative of axis bank miles and more credit card: 

1. Axis bank signature credit card with lifestyle benefits. (Best for lounge access and dining) 
2. RBL blockbuster credit card (Best for movie and dining) 
3. RBL platinum max supercard (Best for dining and reward point) 
4. Tata platinum credit card (Best for lounge access and value back benefits)